How to Buy Car Insurance

Choosing the right coverage from the list above is the first step to buying car insurance. The next is requesting quotes for that coverage from multiple insurance companies. Shopping around by comparing multiple quotes from reputable car insurance companies helps you find the best fit for your needs and budget.

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You can request quotes online through the websites of major insurers like Progressive, Nationwide, and Geico. If you prefer, you can also request quotes through aggregator sites that return quotes from multiple insurers after you fill out a single form, or you can speak with a local insurance broker.

How to Save Money on Car Insurance

Shopping around by collecting quotes on the same coverage from multiple insurers is typically the best way to save on car insurance. For example, a Consumer Reports survey of more than 40,000 readers in 2022 found that about a third had switched insurers in the previous six years—and 58% of them did so because they found a lower premium.

Ask about discounts that can help lower the cost of your premium. For example, some insurers offer discounts to active or retired military members, federal employees, homeowners, and students who maintain at least a B average.

Maintain or improve your driving record by driving safely and avoiding speeding. You can also work on improving your credit score, which some insurers factor into their calculations when setting your premiums—though this practice isn't allowed in California, Hawaii, and Massachusetts.

Consider dropping coverages you don't need or that duplicate other protection. For example, if you have a AAA membership, you may not need roadside assistance coverage. If you could use another vehicle or take public transit while your car is repaired after a covered accident, you could remove rental reimbursement. If your car is older or in rough shape, consider dropping comprehensive and collision coverage, which might cost you more over time than you'd recoup after an accident—though if you're still paying off a loan or lease, your lender may require you to keep these coverages.